Overview
- Starting the month you reach full retirement age, there is no limit on how much you can earn and still receive your Social Security benefits.
- Full retirement age is set by birth year, and it is 67 for anyone born in 1960 or later.
- Before full retirement age in 2026, benefits are temporarily reduced by $1 for every $2 earned above $24,480 if you will not reach full retirement age that year.
- In the year you reach full retirement age but before your birthday month in 2026, benefits are reduced by $1 for every $3 earned above $65,160.
- Withheld benefits are not lost, and working—especially after full retirement age—can raise your payment because Social Security calculates benefits using your 35 highest-earning years.